Goshen, IN · Charter 82794
NCUA · 16 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
13
Asset Quality
97
Profitability
54
Liquidity
0
Efficiency
21
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Goshen, IN · Charter 82794
NCUA · 16 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.23% | 0.43% | 0.59% | 0.78% | 0.86% | 0.75% | 0.80% | +21 bps | |
| Return on Equity | 2.13% | 2.60% | 5.04% | 6.78% | 8.68% | 9.28% | 8.13% | 8.81% | +203 bps | |
| Net Interest Margin | 2.43% | 2.50% | 2.88% | 2.99% | 3.08% | 3.16% | 3.37% | 3.32% | +33 bps | |
| Efficiency Ratio | 90.69% | 87.80% | 82.52% | 81.01% | 77.51% | 75.90% | 80.02% | 78.78% | -223 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.21% | 5.53% | 5.15% | 4.34% | 4.93% | 3.29% | 1.53% | 5.68% | +134 bps | |
| Loan Growth (YoY) | 8.79% | 11.50% | 13.32% | 12.35% | 8.68% | 6.78% | 6.38% | 7.71% | -464 bps | |
| Share Growth (YoY) | 8.80% | 8.47% | 6.77% | 5.06% | 6.68% | 6.83% | 3.05% | 3.32% | -174 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.29% | 0.13% | 0.22% | 0.19% | 0.21% | 0.17% | 0.16% | -6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.81% | 8.72% | 8.53% | 8.71% | 9.02% | 9.26% | 9.28% | 9.13% | +42 bps | |
| Net Worth / Assets | 8.81% | 8.72% | 8.53% | 8.71% | 9.02% | 9.26% | 9.28% | 9.13% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.77% | 99.91% | 99.01% | 100.87% | 101.64% | 99.86% | 102.20% | 105.16% | +429 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Goshen, IN · Charter 82794 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
Return on Assets
0.80%
Rank 219 of 435
Net Interest Margin
3.32%
Rank 237 of 435
Efficiency Ratio
78.78%
Rank 346 of 435
Equity / Assets
9.13%
Rank 378 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.80% | 0.55% | 0.81% | 1.14% | Beats 50% | 219 / 435 | ||
| Return on Equity | 8.81% | 5.12% | 7.41% | 9.70% | Beats 67% | 145 / 435 | ||
| Net Interest Margin | 3.32% | 3.01% | 3.39% | 3.75% | Beats 46% | 237 / 435 | ||
| Efficiency Ratio | 78.78% | 65.25% | 71.39% | 77.86% | Beats 21% | 346 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.16% | 0.45% | 0.69% | 1.05% | Beats 97% | 14 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.13% | 9.81% | 10.84% | 12.63% | Beats 13% | 378 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.13% | 9.81% | 10.84% | 12.63% | Beats 13% | 378 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 105.16% | 78.33% | 88.38% | 95.61% | 94th pctl | 25 / 435 | ||
| Loans / Assets | 85.41% | 67.69% | 74.58% | 80.80% | 91st pctl | 39 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||